What is the cheapest US Virgin Island to live on?

St Croix is the cheapest of the three main USVI islands at $3,600 per person per month at the moderate tier, roughly $375 cheaper than St Thomas ($3,975). St John, the third island, does not have a dedicated CostLiving page but is the most expensive of the three for housing thanks to limited inventory and a high share of luxury and short-term-rental stock; long-term rentals routinely match or exceed St Thomas. The cost gap between St Thomas and St Croix is overwhelmingly housing-driven: utilities, groceries, and transport are within a few percent across the territory. For someone weighing the three islands on cost alone, St Croix wins comfortably, St Thomas takes second, and St John is the most expensive option. For the full breakdown, see our St Thomas cost of living page.